Category Archives: Florida Luxury Properties

Spring Florida Real Estate- Multiple Offers Are Back!

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Beating Competitors When Multiple Offers Surface On Spring Hill FL Real Estate Listings

 

Agent Trust Part of the recovery in Spring Hill FL real estate scene is the increasing likelihood of multiple offers on a listed property. This is every seller’s dream— but if you are one of the bidders, it’s important that you don’t allow it to become your nightmare.

There is one way— the only sure way—to keep the specter of competing Spring Hill FL multiple offers from upsetting your home buying prospects. Summed up in one word, it’s “preparation.”

Preparation starts with assembling a strong financial package. If your target property attracts multiple offers, you want yours to stand out. By the time you learn that other offers are at hand, it’s probably already too late to begin putting together documents—they should be in hand before you even identify a property. Getting pre-approval for your loan, having a letter that says so, and being able to show you have funds available can be persuasive.

When it comes to making the offer itself, although including “Subject to” clauses will protect you from unforeseen problems with the property, when multiple offers are on the table, the fewer contingencies the better. Again, only preparation will make this reasonable. If you’ve had an advance home inspection, and also made sure that there aren’t any right-of-way or easement issues, your offer can be significantly more attractive.Lake In The Woods

Personal preparation can be another positive. Visiting the property on several occasions at different times of the day should give you added confidence for what the home is truly worth to you…and when the listing agent and owner can put a face to your offer, it tends to strengthen its validity.

When multiple offers on a Spring Hill FL property occur, it’s possible that someone is going to bid more than the home is really worth. If you’ve done thorough research and know precisely what its value is in today’s market, that won’t be you. Having your bottom line number unshakably in mind means that in any bidding war, you’ll be able to sweeten your offer without hesitation. You can be creative, perhaps by offering to reduce the seller’s costs by picking up escrow fees, transfer fees or title policies; perhaps by offering the seller a few additional days to move without seeking financial compensation in return; perhaps by increasing the down payment or earnest money. When you know your bottom line, the arithmetic is uncomplicated (and your less-prepared competitors are more likely to throw up their hands!)

Agent TrustAnd then…should the bidding go over what you know it’s worth, you’ll be ready to walk away. There will be other properties to bid for – and we are always here to help keep all your options open!

Spring Hill FL Real Estate Values: No Kidding Around!

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Spring Hill FL Real Estate Values: No Kidding Around!
Comps are Real Estate Values’ Incomparable Tool

Spring Hill Florida Real Estate Values — They’re All Related

Whenever you hear that a neighbor’s house is on the market, the same question flashes through nearly every homeowner’s mind: how much are they asking?

 

Spring Hill FL Real Estate Listings

Spring Hill FL

 

 

That’s because of the nature of residential markets: our own homes’ real estate values (in fact, all Spring Hill FL real estate values) are connected with one another, and that asking price is an estimate of the current state of affairs. It has to be reasonable in order to attract the attention of serious buyers — but if it’s too reasonable, on closing day the seller will walk away with a lighter bank account than necessary.

Real estate values in Spring Hill FL are determined in large part by what other similar homes have recently sold for. These comparable sales show what a real world bank was willing to lend, and how many dollars a real life buyer was willing to pay. “Comps” are to real estate values what the Dow Jones is to securities: a trustworthy reality check, no kidding around.
How ‘comparable’ a comp is depends on a number of factors to be taken into account:
• The structure
• Condition
• Amenities
• Location
• Neighborhood
The structure of a comp sale will have similar square footage, number of bedrooms, etc. Its condition is a value judgment best made by professional appraisers. Amenities can include everything from upgrades in a development to added features like central air conditioning or a Jacuzzi. And location means a great deal (is it in a high crime area?) — as does the similar but more precise neighborhood (are the neighbors taking care of their yards? Are the schools first-rate?).

Realtors In Spring Hill FL

Spring Hill FL Realtors

Ultimately, when determining real estate values for Hernando County homes, appraisers take into account much more than just the house itself. That’s why when you set out to find a home for your family it’s important to look beyond the physical facets of the house alone: should you later decide to sell it, the whole host of factors will come into play. Whether you are buying or selling a home in Spring Hill FL this fall, contact us today for a pricing evaluation.

 

Tina Fingerman

Agent Trust Realty

www.agenttrusthernando.com

727-946-2348

Buying A House In Spring Hill Florida- Use Local Market Awareness

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Bargain-Hunters Find a Hernando County Real Estate Market That Isn’t Waiting

Buyer Beware: Strategies That Get You Nowhere

 

Spring Hill Florida Real EstateAnyone who is buying a house in Spring Hill Florida — or even just checking up on the market — is likely to find that some of the rules of the game seem to have shifted. Particularly anyone expecting to be deluged by the kind of amazing deals being offered in 2008 and 2009 should see what I mean.

As the latest housing statistics continue to paint an upbeat picture, at least when it comes to bargain-priced properties, the days of multiple bids and ‘offers over asking’ are back.  If you are weighing the advantages of buying a house in Spring Hill Florida before interest rates and prices rise in earnest, it should be useful to take a look at some strategies that work — and some that virtually never work:

1)                  Blanket Low-balling – Running around writing up a bunch of low-ball offers is a surefire way to get yourself ignored, or worse, miss out on an otherwise great property. A better approach?  Work with a knowledgeable agent whose expertise in area neighborhoods will allow you to check on the most recent comps, then write a serious offer.

2)                  Dismissing Imperfect Properties – The degree of your success in buying a house in Spring Hill Florida can depend on starting out with a reality check: only very rarely is a property totally perfect for you and priced absolutely right.

3)                  Highest and Best – Unfortunately, the tempting low prices listed for some Hernando County Real Estate bank-owned homes also means that it’s increasingly common to encounter the dreaded “multiple offer situation.”  If you find yourself there, be prepared to submit your highest and best offer first — you may not have another shot.

Spring Hill FL Real Estate

Homes For Sale In Hernando County

This changing market doesn’t mean we are headed into the kind of fever-induced ‘bubble’ we saw in the mid- 2000’s.  But for those seeking a deal and waiting for the bottom of the market before buying a house in Spring Hill Florida, the market does not seem to be waiting. 2013 is clearly the time to jump in!

Tina Fingerman

Agent Trust Realty

727-946-2348 Cell

352-688-7022 Office

3 Bedroom 3 Bath Courtyard Pool Home For Sale: Silverthorn Golf Course Community

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5112 SECRETARIAT RUN
Brooksville, FL 34609
3 Bedroom 3 Bath Pool Home In Spring Hill FL

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Tina Fingerman

Licensed Realtor

Office: 352-688-7022
Mobile: 727-946-2348
Website: Visit Website

Price : $259,900
Bedrooms : 3
Bathrooms : 3
Square Foot : 2,466
Lot Size : 0
County : Hernando
Property Type : Detached
Year Built : 1996
MLS Number : 2140624
click for more information and pictures
Property Description
WOW, incredible Courtyard pool home in Silverthorn. Not A Short Sale And Not A Foreclosure. Home has been remodeled and is light bright and very airy. Nice open floor plan, step inside to your own private courtyard where the entire home is built around the pool. Features: separate cabana bedroom which can be used as a private guest house or your own private office or sanctuary. Large vaulted ceilings, split plan, fireplace are just some of the many features of this custom built home. Nothing to do here but move in and hang your cloths! Community includes club house with Jr. Olympic pool, Golf, Fitness Center, and Tennis Courts located in the prestigious Silverthorn Golf Course Community.
Features List
  • Gated Community
  • Golf Course
  • Community Pool
  • Tennis Courts
  • Fitness Center
  • Club House
Equal Housing Opportunity.
Agent Trust Realty :
4117 Mariner Blvd –
Spring Hill
FL
34609
: 352-688-7022

Hernando County Realtor® Plays Watchful Role in Appraisals

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What A Good Spring Hill Florida Realtor Should Do®  – Take Control At Appraisal Time

 Hernando County Realtors®  Should Keep Active During Appraisals

 

Hernando County Homes For Sale

Spring Hill Florida

It may be a fundamental element in nearly two-thirds of every residential real estate transaction, yet when you think about buying or selling a Hernando County home, it’s not likely to be your major focus. Important though it may be, for most people, the appraisal process seems like a mere formality. After all, haven’t the seller and buyer already agreed to the deal? What’s left to do, other than dot the I’s and cross the T’s?

Of course, if you are a cash buyer, you can choose to skip the appraisal altogether. If so, congrats – you are ready to buy as soon as you find the right property! But for the rest of us, if a loan is involved, so too is the lender’s appraisal – or appraisals.  Yet many real estate agents are not a part of this element.

The entire transaction hinges upon its success because the lender needs assurance that the property has at least the agreed value. If the home doesn’t comp out, the bank will not fund the loan.

When it comes to the appraisal, I will admit to being one Realtor who favors the proactive approach. One way to help assure the right outcome at appraisal time is for your Realtor to meet the appraiser at the property — armed with a package of comparables that support the agreed-upon price. Most appraisers may have uncovered the same comps already, but that’s not always the case. If my seller has completed upgrades or improvements, I also like to bring proof to help justify a higher price. Making the appraiser’s job easier is an important part of a Realtor’s job.

Search Hernando MLS

Search MLS Listings In Spring Hill Florida

As a trusted Realtor in Spring Hill Florida, I’ve found that taking an active role during appraisal is an important way to protect my client’s interests. It’s a commitment I make to help insure that each and every closing finishes as planned.

If this winter finds you looking for a Hernando County Realtor who will be by your side from start to finish — drop me an email, or give me a call!

 

 

Tina Fingerman Realtor

Looking For A Great Realtor In Spring Hill FL?  Call Tina Fingerman Today!

 

 

 

Tina Fingerman

Agent Trust Realty

727-946-2348 Cell

                                                  352-688-7022 Office

www.AgentTrustHernando.com

®Realtor is a trademark of the National Association of Realtors

Hernando County Real Estate 2013: The Year We Get Off Our Hands

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Real Estate Forecasters See Home Loan Leap In The Real Estate Market Including Hernando County Real Estate Markets Like Spring Hill Florida

Hernando County Real Estate

Spring Hill Florida Real Estate

The holiday décor is down; neighborhood kids are back in school; January’s social calendar looks amazingly clear (compared with the previous two months, anyway)… so, what now?  One suggestion I might offer: put some serious thought into acting on those financial New Year’s resolutions – at least the ones dealing with your Hernando County real estate plans.

Doing so would dovetail nicely with my own New Year’s prediction, one I share with many credible real estate watchers:

2013 is the year buyers and sellers are going to really get serious about real estate.

According to Money Magazine on CNN’s website, the housing market rebound is here. Among other sources, they site the Mortgage Bankers Association forecast that “more and more house hunters will start coming off the sidelines.” They expect total dollars going to new home loans to jump a heart-thumping 55%!

Hernando County Homes For Sale

Spring Hill Florida Real Estate

For five years, Hernando County Real Estate owners have weathered the storm of the credit crisis as well as could be expected; then came marked improvement in 2012.  At last count, there were approximately 1.8 million homes for sale nationwide (half the number at the market’s deepest divot).

While no one expects real estate prices to see crazy red-hot double-digit increases in 2013, it is encouraging to see the worst in the rear-view mirror.  And with optimism about residential real estate now broadening into general public awareness, we seem to be looking at a fresh arena for homeowners who are finally able to consider selling again…and for buyers who are past waiting for ‘the bottom’.

The message to prospective Hernando County home buyers and sellers this January echoes the sentiment of Money magazine, which answered the question, “Why, as a prospective home seller or buyer, you need to stop sitting on your hands”!

Whether or not your own New Year’s resolutions involve Spring Hill Florida real estate, it is a propitious time to give me a call. We can start the conversation about your real estate goals and how current 2013 market opportunities fit them!

Tina Fingerman Realtor

Looking For A Great Realtor In Spring Hill FL

Tina FingermanAgent Trust Realty

727-946-2348 Cell352-688-7949 Office

Foreclosure Sales In Hernando County- Landing The Deal

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Market Preparation Helps Hernando County Foreclosure Buyers

Foreclosure Wave Could Also Signal Opportunity

 

If you are organized and willing to put in some serious spadework, buying a Hernando County foreclosure can save you thousands of dollars. A new wave of foreclosures could be heading our way later this year. According to RealtyTrac, the leading source of foreclosure statistics, one in every 665 national housing units received a foreclosure filing in June. More foreclosures mean more opportunities; but it also means that more buyers will begin to think seriously about going after them. In other words – more competition.

If you have never looked into what is involved in snagging one of the foreclosures in our area, a few basics will greatly improve your chances for success:

 

Do Your Research So You Can Act Quickly.

The foreclosure market performs differently from the traditional market. Arming yourself with accurate comps and knowledge of Hernando County trends will enable you to recognize the right opportunity as soon as it arises – ideally, before other buyers catch wind of it. Working with a knowledgeable agent who keeps you informed is the quickest way to get up to speed. It will help you avoid being dragged into bidding wars with other deal-shopping buyers. Since under-bidding will cause you to miss the best opportunities, and over-bidding will defeat your whole purpose, up-to-the-moment market knowledge is essential for formulating a canny offer.

Weigh in With Cash.

Time is an important factor in buying a Hernando County foreclosure. Your goal is the same as the seller’s: to close the sale as quickly as possible. Naturally, paying cash up front is the simplest route to a speedy closing. If you are buying as an investment, that means targeting only properties that are within your financial reach. As Ron Peltier of HomeServices of America puts it, “A cash buyer who can close in 10 days can certainly get the best deal.” Since closing on a house via traditional mortgage can take anywhere from 30 to 60 days, it is clear which route sellers prefer.

3. Create Clean Offers.

If, like many of my clients, you can’t really afford to propose an all-cash deal, you can still create an offer that lands your foreclosure. Writing a clean offer – one with simple terms and serious cash down — can bring a favorable reaction. Let’s face it: bank officers don’t want to fuss with complicated terms or repairs. A buyer with 20% down, a confirming loan and an “as-is” offer will get a lot more consideration than a buyer with an FHA loan and a minimal deposit. Success means targeting foreclosures at a price point where you can afford to put as much down as possible…then being ready to get dirty and make any needed repairs yourself.

As with any vigorous market, participants need to play by the rules or else be stuck on the sidelines. If you are considering buying a Hernando County foreclosure and are looking for an experienced agent to stand by your side, call me — and let’s get to work!

 

FAIR Files Additional Lawsuits Against Florida Home Owners Insurance Carriers

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Thank You Channel 10 News For Continued Coverage. FAIR is commited To Bringing Balanced Reform For Florida Home Owners. For Information On Joining The Class Action Please Click On the Citizens Class Action LawSuit Button At The Top Of The Screen.

E Loans Mortgage In Hernando County Florida, and Steve Fingerman will continue to fight for Florida Home Owners To Keep Home Ownership In Florida, I Proud To Be A Part Of This Action And Committed To Keeping Home Ownership In Hernando County and The Surrounding Tampa Bay Area Affordable.

Please Subscribe To The Right And Forward This Site To Your Friends Using The Buttons Below.

The 10 News Investigators have learned the group suing Citizens Insurance over its insurance practices will file more lawsuits Monday.

We’ve learned that group — FAIR — will be filing class-action lawsuits against private insurance companies Monday.

Those suits will go along with the cases they’ve already begun against Citizens.

The 10 News Investigators have been leading the way on this. Following reports by 10 News last fall, allegations surfaced.

The claims: insurance companies statewide are setting the replacement costs of some homes extraordinarily high — much higher than they should be.

That means the companies can charge you more to insure your house. The technique lets them make more money and dodge state laws that limit how much they can raise your rates.

That practice is what led the group FAIR — Florida Association for Insurance Reform — to the steps of the state Capitol last week.

FAIR announced it’s suing Citizens Insurance over the issue. Citizens is run by the state and backed up by Florida taxpayers.

PREVIOUS COVERAGE:

What’s Not Covered In Florida Home Owners Insurance?

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Do You Know What is NOT Covered in Your Home Owners Insurance Policy?

You Might be Surprised

 

In recent years, insurance carriers in Florida have added many exclusions to property insurance policies, with little oversight or public debate. These exclusions are drafted into policy leaving consumers with less coverage for the same (if not higher) premium.

Because many policyholders rarely read every word of their large and complex policies, they may not even be aware of what is NOT covered. Since policyholders are unable to negotiate policy language, they are left with a choice of accepting the changes, purchasing new endorsements or seeking a different carrier.

Examples of common policy exclusions include:

Eliminating Your Rights to Appraisal – For 200 years, policies have included the binding appraisal process to settle disputes between insurance companies and the insured over amount of loss or value of damaged property. Many insurers are restricting or eliminating this provision, which provides important consumer protections.

 

Giving You a Sinking Feeling – Many policies no longer cover damage from sinkholes unless the sinkholes are deemed “catastrophic,” usually meaning large and sudden. But slowly occurring sinkholes can cause catastrophic damage to a home and its value. Damage can run into the hundreds of thousands, often more than the value of the home, leaving many homeowners with no other choice than to walk away from their mortgages.

 

Requiring You to See Through Walls – Most insurance claims deal with water damage, often stemming from damage behind walls or under slabs that doesn’t become noticeable for weeks or months. Citizens and other insurance companies now deny claims for leakage occurring over more than 14 days, even if it is hidden from sight. In fact, Citizens has just announced plans to further expand its water exclusion.

 

Eliminating Coverage for Mold – Where there is water damage mold often forms. Though it is recommended that water be removed and damaged areas dried within 48-72 hours, company insurance adjusters often are unable to visit the home within that time. No matter the reason, if mold forms, most companies will no longer cover the cost of its removal.

 

Leaving Screened Structures Uncovered – Popular in Florida, screened enclosures used to be covered under most homeowner insurance policies. Many carriers have now added exclusions that remove screened structures from coverage.

 

Re-Defining “Falling Objects” – Typically, damage from falling objects in a home or condo (such as floor damage from a falling light fixture or fan) is covered. Citizens’ new condo policy, however, only covers such damage if the falling objects come down from the sky through your roof or walls. Great coverage for meteorites, but little else.

Join FAIR BY CLICKING HERE

Florida Vacation Homes: Finding the Right One

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The Florida Real Estate market features one of world’s most scenic beach clusters. If you are looking for a place that presents a fantastic blend of adventure, beach, wildlife and sightseeing, then visiting Florida Real Estate can be a great option for you. Florida attracts a huge chunk of travelers every day. No wonder then that the need for Florida vacation rentals is considerably high round the year.. Good Florida vacation homes not only ensure that you get a great place for accommodation but also guarantee highest standards of privacy and personal touch. While selecting Florida vacation property, you are advised to make note of the following factors:

-Research
-Luxury
-Market Price
-Amenities

Research plays a crucial role while finding Florida vacation homes. Go through the website in order to get an overview of the accommodation standards. Many Real Estate listing companies in Florida provide virtual tours of a variety of Florida vacation properties. Going through these tours help you get a decent idea on the accommodation standards available with these Florida vacation rentals. Take some guest references for help. Striking a word with some of the previous guests can give you an actual picture of the quality of service and rooms available at your choice of Florida vacation rentals.
Florida without resplendent luxury is not even half the fun. Check up on various Florida gulf vacation homes and buy one that offers your premium luxuries. 

If you are looking for splendid Florida vacation Property your search ends at Agent Trust Realty, a leading Florida Luxury Home listing company that spells luxury, affordability and fun and offers premium services to make your stay in Florida a memorable one. For more details and information or to book a Florida vacation rental, visit www .breeze-vacation-rentals.com.

For More Information About Real Estate In Florida and Homes For Sale In Hernando County Please visit http://www.fhaforall.com/